dsimpson Posted September 30, 2015 Report Share Posted September 30, 2015 In another post, http://www.rvnetwork.com/index.php?showtopic=119990 I talked about my insurance premium increase and asked for recommendations for another insurance company. I called Explorer RV and got some competitive quotes for coverage by National Interstate Insurance. I have never heard of this company but the agent said they have many Escapees customers. Anyone covered by National Interstate? If so, what can you tell me about their response to claims? I don't want to switch to another company just because premiums are lower. I asked the agency about Foremost because I have heard many good things about their claims coverage but Foremost premiums are much higher and they don't cover tow vehicles in Texas. At least, that is what the agent told me. I would have to go with another company to get coverage for my Dodge Ram. My Rig Link to comment Share on other sites More sharing options...
EagleEye Posted September 30, 2015 Report Share Posted September 30, 2015 I've had National Interstate for the past 3+ years. Have never had a claim so can't comment on that. I know that there are several that have insurance with them so I'm sure that someone will comment. Their rates have gone up every year. Dave and Marge 2010 Phaeton Motor Home Previous Mobile Suites 36 RSSB3 (for sale) and 2005 FL M2-106 Sport (for sale after 5er sells) Link to comment Share on other sites More sharing options...
RCameo Posted September 30, 2015 Report Share Posted September 30, 2015 We have National Interstate also. I think the reason many folks like them is they are one of the few that'll insure fulltimers. But we haven't had to make a claim either so I can't answer to that. The rates have crept up for us on our 5th wheel each year. We just switched our truck to Nat'l (from Progressive) last year and the rate was much,much cheaper, like 40%. But since you are in a state where they won't insure your truck, you may feel more comfortable with a company that covers both...in case of accident you'd only have to deal with one company. Link to comment Share on other sites More sharing options...
AFchap Posted October 1, 2015 Report Share Posted October 1, 2015 Explorer RV has had me with Natl Interstate pretty much since 2003. We have had claims for glass, a lightning strike, and awning destroyed by wind. Their response/payment in each case has been fairly prompt and easy to deal with. Paul (KE5LXU), former fulltimer, now sometimer... '03 Winnebago Ultimate Advantage 40E '05 Honda Odyssey Escapees, FMCA, WIT, SMART http://www.pjrider.com Link to comment Share on other sites More sharing options...
BooneDocks Posted October 1, 2015 Report Share Posted October 1, 2015 National Interstate will go as high as one million for liability while most others cap at five hundred thousand. Presently MotorHomeLessFollow Our Full-Time Travels Through Our Blog Link to comment Share on other sites More sharing options...
Coatesbegone Posted October 1, 2015 Report Share Posted October 1, 2015 We have had National Interstate Insurance on both the motorhome and tow since 2002, but thankfully like the others we've had no claims other than a couple of "high dollar" windshields and one on the tow which have all been replaced with no problems. It's been our experience that every time we have called we talk with a "real person" who promptly resolves our concerns. John & Marsha Coates 2013 Itasca Suncruiser 2010 Jeep Rubicon Link to comment Share on other sites More sharing options...
k4rs Posted October 1, 2015 Report Share Posted October 1, 2015 We have had National Interstate for about 7 or 8 years. We have had 1 claim which they handled without making us jump through hoops. All we had to do was take photos of the damage that we emailed to the adjuster, get an estimate from a local RV repair shop and wait for the parts to arrive. A check for the full amount was at the repair shop before the parts. Oh, the diminishing deductible was VERY nice also... Safe Travels... Roger, K4RS and Toni, K1TS Amateur Radio Operators - Motorcycle Riders (Harley Davidson Tri-Glide Ultra) Fulltime from 2003-2016 - Now longtime RVers On the road, living the dream... Ford F-250 Super Duty 7.3 liter diesel and Forest River XLR Toyhauler. Position report via amateur radio Link to comment Share on other sites More sharing options...
schavone Posted October 1, 2015 Report Share Posted October 1, 2015 I've been with them for 5 or 6 years now, and have had several claims, both on my MDT and the fifth wheel. They've been very easy to deal with, and fair and prompt in their payment of the claims. The disappearing deductible is also a vey nice feature. Link to comment Share on other sites More sharing options...
whj469 Posted October 1, 2015 Report Share Posted October 1, 2015 Is this the auto and RV insurance that you can get thru Good Sam? I have had them for 4 years but have never had a claim. Good Luck Link to comment Share on other sites More sharing options...
JRP Posted October 1, 2015 Report Share Posted October 1, 2015 I've had one of my RV's and my HDT covered by National Interstate for about 5 yrs. No experience with their claims dept thankfully. They seem to be more of a specialty insurer, rather than all coverages to everyone. They're one of the few who continue to cover our heavy duty trucks converted to RV toters, at least the ones singled. Is this the auto and RV insurance that you can get thru Good Sam? I have had them for 4 years but have never had a claim. Good Luck No, that's National General, a completely different company. Jim Link to comment Share on other sites More sharing options...
Nolan Posted October 1, 2015 Report Share Posted October 1, 2015 Have been with National Interstate for the truck and trailer since 2004. Two claims. Last one 2009. Call them up. Get a claim number and someone I could contact with through email. Just had to take some pictures, get an estimate, email everything in to them. Wait until I was given the go to call the place to get the parts. No complains. Link to comment Share on other sites More sharing options...
gfstryder Posted October 2, 2015 Report Share Posted October 2, 2015 We had National Interstate for the last 2 years. We had 2 claims, both for the windshield. We found the company easy to deal with and they processed our claims with no problems. Link to comment Share on other sites More sharing options...
remoandiris Posted October 2, 2015 Report Share Posted October 2, 2015 National wants to run a credit check just to give a rate quote. Really? Link to comment Share on other sites More sharing options...
Kirk W Posted October 2, 2015 Report Share Posted October 2, 2015 National wants to run a credit check just to give a rate quote. Really? I don't know of a company that doesn't do that today. If you look at your credit report, those entries show, but are listed differently than those for credit applications, but I can't remember what they were called. I have no idea what the reason is but because I watch my credit report closely I have seen it more than once. I believe that some companies do so upon renewal as well. I've been told that credit rating influences your premiums. Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
Jim & Alice Posted October 3, 2015 Report Share Posted October 3, 2015 Just renewed with national Interstate for the 4th year. We have had one small claim for a minor windshield crack - processed as a no-brainer. Rate increases of about 4 -5% over the years. I am happy. Jim 2007 Dolphin Safe-T-Plus Steering Bar Our Blog: Click Here Link to comment Share on other sites More sharing options...
remoandiris Posted October 3, 2015 Report Share Posted October 3, 2015 I don't know of a company that doesn't do that today. If you look at your credit report, those entries show, but are listed differently than those for credit applications, but I can't remember what they were called. I have no idea what the reason is but because I watch my credit report closely I have seen it more than once. I believe that some companies do so upon renewal as well. I've been told that credit rating influences your premiums. If they had told me they were going to do a credit check, I would have told them to forget about it. My credit reports are frozen. I will NOT thaw them for a reason like this. I could have coordinated it to be timed with the purchase of my coach. Guess that goes to show how often I shop for insurance. Link to comment Share on other sites More sharing options...
Dutch_12078 Posted October 3, 2015 Report Share Posted October 3, 2015 Typically, the credit checks run by insurance companies for rate quotes, lenders for pre-approval, etc, are "soft inquiries". Soft inquiries can be made without your permission and provide only limited data. They do not affect your credit score. Dutch 2001 GBM Landau 34' Class A F-53 Chassis, Triton V10, TST TPMS 2011 Toyota RAV4 4WD/Remco pump ReadyBrute Elite tow bar/brake system Link to comment Share on other sites More sharing options...
aunut Posted October 3, 2015 Report Share Posted October 3, 2015 They are called insurance scores and are totally different than a credit score. They will not affect your credit score. Someone can have an excellent credit score, but just an average insurance score because of the criteria used to figure each one. I, personally, don't know of a single company that doesn't use this and it can greatly effect your premium. I have seen the difference of hundreds (as much as a thousand) in premium due to an insurance score. Some companies only run the first named insured's score. Some run both named insureds. If your premium is affected by yours, ask your agent to run your spouses score. It could be much better and save premium dollars. Some companies, if you have been with them awhile, don't run it every year. If you think it might have improved, have them run it again at renewal. Don't ask for this if you have had any adverse credit occurrences lately. 2014 Winnebago Vista 35B Class A. 2010 Honda CR-V. Link to comment Share on other sites More sharing options...
Kirk W Posted October 3, 2015 Report Share Posted October 3, 2015 They are called insurance scores and are totally different than a credit score. Thanks for the good information! So do you have any idea of just what it is the information tells them? I have looked at mine many times and see very little that isn't credit related. I believe that it does show most court filings and such but.............. Interesting subject! Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
aunut Posted October 3, 2015 Report Share Posted October 3, 2015 I am in insurance agent and even I can't tell you the criteria that goes into the score. Where as there is a pretty clear set of criteria determining a credit score, I was told one time by my underwriter that there were over 50 items that determine an insurance score and that even though your credit score may have something to do with it, there is much more that goes into it. I have seen executives with high value homes have just an average or worse insurance score. Presumably, it is based on criteria that determines not your credit rating, but the likely hood that you will have a loss. But, if you have a bad credit rating, you can be assured that your insurance score will be bad. By the way, I have never seen a hit on one's credit score due to an insurance score. And, if you want to look at your insurance score, your agent can furnish a contact. The agent can't tell you anything other than the score because he/she doesn't know and he would not be allowed due to, anyway. 2014 Winnebago Vista 35B Class A. 2010 Honda CR-V. Link to comment Share on other sites More sharing options...
missourijan Posted October 3, 2015 Report Share Posted October 3, 2015 We had National Interstate for 6 years, one claim and they raised our rate 30% the next year. We canceled and went to Blue Sky, same coverage including replacement coverage for the first 5 years, 1/2 the price Jan & Thomas 2012 Drv Mobile Suite 5'r 2012 Ford F350 Super Duty Link to comment Share on other sites More sharing options...
david2015skp Posted October 4, 2015 Report Share Posted October 4, 2015 Credit scores are often the major contributor to your vehicle insurance rates: http://www.clarkhoward.com/how-credit-score-affects-insur Link to comment Share on other sites More sharing options...
frenchm428 Posted December 15, 2015 Report Share Posted December 15, 2015 Hi Everyone, I'm curious for those who have National Interstate that have filed claims. Have your premiums gone up simply for filing claims? We have had two claims this year and I'm fearful as to what might happen next year. Thanks! Link to comment Share on other sites More sharing options...
frenchm428 Posted December 15, 2015 Report Share Posted December 15, 2015 I've been with them for 5 or 6 years now, and have had several claims, both on my MDT and the fifth wheel. They've been very easy to deal with, and fair and prompt in their payment of the claims. The disappearing deductible is also a vey nice feature. Did your rates increase because of all of the claims? We will have had 2 claims in one year and I'm quite nervous. Link to comment Share on other sites More sharing options...
frenchm428 Posted December 15, 2015 Report Share Posted December 15, 2015 Explorer RV has had me with Natl Interstate pretty much since 2003. We have had claims for glass, a lightning strike, and awning destroyed by wind. Their response/payment in each case has been fairly prompt and easy to deal with. Did your rates increase because of all of the claims? We will have had 2 claims in one year and I'm quite nervous. Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.